ERISA policy claims

Submitted by boden-davidson on Fri, 2010-01-22 18:08

If your insurance company or plan administrator has denied or terminated your short- or long-term disability claim under ERISA, I may be able to help you in obtaining your rightful benefits. Many attorneys will not take ERISA cases, and even some ERISA lawyers may not take short-term claims or certain long-term disability cases. With the guiding principle of my practice to help under-served legal needs, I've decided to try to take these cases whenever possible.

ERISA stands for the Employee Retirement Insurance Security Act of 1974, and is a federal law which governs all employer-sponsored insurance policies in the United States. ERISA does not apply to private, individual insurance policies, and insurance policies provided through an exempt religious employer or a branch of government. ERISA is a unique and complex law, with features that dissuade many disability lawyers from taking ERISA cases.

My primary involvement with your disability claim will only be the preparation of your appeal letter, by example. The appeal letter for your ERISA claim however is a crucial step in these types of disability cases, because the appeal letter becomes part of your administrative record. A poor quality appeal letter can actually hurt your claim in the future, if your insurance company finds some basis in the letter to terminate your benefits in the future. On the other hand, having a good appeal letter prepared by an attorney versed in ERISA is very useful if your benefits are later terminated and you need to sue your insurance company.

If you have received a letter from your insurance company denying or terminating your claim for disability benefits, then you should not hesitate in contacting an ERISA lawyer for assistance. There are several specific deadlines in ERISA claims that must be met to maintain your claim - missing one means that the insurance company does not have to pay you benefits even though you are disabled. Since it can take some time for an ERISA attorney to talk with you, research, and prepare your appeal letter, it is well worth the effort to get an early start.

Fortunately, you do not have to find a local long term disability lawyer who is knowledgeable in ERISA to write an appeal letter for you. I can assist clients throughout the United States in preparing this critical component to many claims, even though I am based in California. This is possible because I devote the ERISA portion of my practice solely to writing appeal letters for short-term disability and long-term disability claims, and not to pursuing litigation. Many ERISA lawyers do only litigation, so if you are denied benefits in the future seek their assistance as soon as possible.

To contact me about assistance with your ERISA short-term or long-term disability claim, by carefully crafting an appeal letter to your individual claim, please use the form below. Please note that your submission of this form does not create an attorney-client relationship. It is intended to allow for a quick response to your inquiry. Your information will be maintained in confidence, but please be aware of any security issues that may exist on the computer you are using or on networks between you and the internet. For more information, please see the site's legal policies.

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Basic personal info

Name: *

Date of birth:

E-mail address: *

Telephone number: *

Alt. telephone number:

Street address:

City:

State:

Zip code:

Employment information

Employer name:

The name of the employer who sponsored your disability insurance policy.

Job title:

Job duties:

Please provide a short description of the duties for which you are responsible in your position.

Monthly salary: $ per month

Claim information

Insurance company:

Type of claim:

Short-term disability

Long-term disability

both short-term and long-term

Net monthly benefit amount: $ per month

Date of denial or termination:

Please enter the date of the denial or termination of your claim, if either has already occurred.

Disabilities:

Please select all disabling conditions which affect your ability to work. Hold CTRL to select multiple conditions.

Describe your disabilities and claim:

Please provide a short description and any additional details about your disability and the claim you made against your policy on your disability.

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ERISA policy claims

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